Private Wealth Architecture

Simulate the architecture of generational wealth.

Built for post-exit founders, family offices, and ultra-high-net-worth families who care about privacy, control, tax efficiency, liquidity, governance, and multi-generation endurance.

Privacy-first model Default view models outcomes per $100M. Optional full-capital mode runs locally in the browser only.
Capital Display Private Mode: Per $100M
Annual Lifestyle Spend 1.50%

Controls how aggressively wealth is consumed every year.

Tax Drag on Gains 28%

Models the friction from taxes, structure, turnover, and realization timing.

Liquidity Reserve Target 5.3 Years

How many years of lifestyle, taxes, and obligations should remain highly liquid.

Family Governance Maturity Developing

Reflects family constitution, decision rights, next-gen education, and dispute prevention.

Generational Endurance Score 82
Estimated After-Tax Real Return 4.4%
Projected 30-Year Capital $253.1M
Annual Lifestyle Budget $1.5M
Liquidity Runway 5.3 Years
Illiquid Exposure 43%
Family Office Complexity Institutional
30-Year Wealth Durability Path Per $100M
Allocation Architecture 100%
Liquidity & Treasuries Cash, T-bills, short-duration reserves, tax payments, dry powder.
8%
Core Compounding Global public markets, quality equities, diversified long-term compounding.
34%
Private Markets Private equity, venture, private credit, direct deals, manager access.
20%
Real Assets Prime real estate, infrastructure, land, energy, inflation-sensitive assets.
18%
Estate, Tax & Insurance Architecture Trust funding, planning reserves, insurance, asset protection, legal structure.
5%
Philanthropic Capital Foundation, donor-advised fund, charitable trusts, legacy giving.
7%
Opportunistic / Entrepreneurial Capital New ventures, strategic acquisitions, distressed opportunities, personal edge.
5%
Lifestyle & Passion Assets Homes, jets, yachts, vehicles, art, jewelry, collections, concierge lifestyle.
3%
Primary Insight

Your model is balanced, but the real risk is not market volatility. The real risk is unmanaged complexity.

Suggested Next Priority

Establish an investment policy statement, tax-aware liquidity plan, estate architecture, and family governance framework before making large illiquid commitments.

Privacy Posture

Keep public-facing lifestyle assets separated from legal ownership, operating entities, family identities, and philanthropic structures.

This is a hypothetical educational simulator. It is not investment, tax, legal, estate, insurance, or accounting advice. UHNW planning requires qualified fiduciary, tax, estate, legal, and investment professionals.